federal workmans comp question

brief description on 12/16 was injured on the job went to employers health facility didnt have a doctor on duty so they sent me to my own dr .went two weeks to dr didnt help was in alot of pain so he referred me to a chiropractor . i believe it has helped immensely no federal workmans comp doesnt want to pay for chiro because i wasnt authurized to do so it says in the work comp brocure that the pay for sublaxtions if it shows on x ray it does i just didnt have prior authurization so what should i do i still have physical therapy left to do the chiro tells me work comp has to pay it because its related to the injury but work comp says they dont have to because it wasnt preauthurized what should i do keep going to chiro or stop going incase i get stuck with a big bill this took place in maryland thanks

[AFFA]

I wish to submit that the contract with the insurance company governs compensation. In this case it will be seen as to which injury is covered and what treatment is covered. As you have been injured on duty hence your injury may be able to qualify. Now as regards treatment if the contract specifically mentions that chiro practise is not covered then you cannot claim but if it does not restrict you and instead allows you to take treatment by which your suffering can be removed efficiently then you can claim for the expenses. Further, you can claim chiro expense on the ground that there was no other treatment available to you. You were referred by the doctor and hence your claim should be reimbursed by the insurance company or your employer. Further, as there was no doctor in employer's health facility and you were then specifically allowed to go to your doctor. Here you have an argument that you had gone to the Chiropractor from other doctor after permission of your employer and hence now its their responsibility to pay. You may also contact Maryland Chiropractic Association for information in the matter.

AFF